WO2006133140A3 - Payment system and method for on-line commerce operations - Google Patents

Payment system and method for on-line commerce operations Download PDF

Info

Publication number
WO2006133140A3
WO2006133140A3 PCT/US2006/021835 US2006021835W WO2006133140A3 WO 2006133140 A3 WO2006133140 A3 WO 2006133140A3 US 2006021835 W US2006021835 W US 2006021835W WO 2006133140 A3 WO2006133140 A3 WO 2006133140A3
Authority
WO
WIPO (PCT)
Prior art keywords
sva
isvp
customer
consumer
stored value
Prior art date
Application number
PCT/US2006/021835
Other languages
French (fr)
Other versions
WO2006133140A2 (en
Inventor
James D Thackston
Original Assignee
Concierge Holdings Inc
James D Thackston
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to US68744605P priority Critical
Priority to US60/687,446 priority
Priority to US69846605P priority
Priority to US60/698,466 priority
Application filed by Concierge Holdings Inc, James D Thackston filed Critical Concierge Holdings Inc
Publication of WO2006133140A2 publication Critical patent/WO2006133140A2/en
Publication of WO2006133140A3 publication Critical patent/WO2006133140A3/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/28Pre-payment schemes, e.g. "pay before"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
    • G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes involving intelligent token, e.g. electronic purse
    • G06Q20/3678Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes involving intelligent token, e.g. electronic purse e-cash details, e.g. blinded, divisible or detecting double spending
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405Establishing or using transaction specific rules
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping
    • G06Q30/0603Catalogue ordering

Abstract

An independent provider of electronic stored value credit to enable a consumer of products and services to apply cash or cash equivalents to fund an electronic account, i.e., the stored value in account (SVA), managed by an independent stored value provider (ISVP) in a network of ISVPs. The consumer is typically a customer of the ISVP. The applied funds may be used by the customer to purchase products and services from any of several merchants that have established a transactional business association with the ISVP, such as an online e-commerce business or a traditional in-store business. A customer may transfer funds from one SVA to another SVA. Customers may add funds to the SVA, in person, at a Retail Finance Services Provider (RFSP) who verifies the identity of the consumer without requiring traditional financial information such as bank accounts, Social Security information, credit card or debit card information.
PCT/US2006/021835 2005-06-06 2006-06-06 Payment system and method for on-line commerce operations WO2006133140A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
US68744605P true 2005-06-06 2005-06-06
US60/687,446 2005-06-06
US69846605P true 2005-07-13 2005-07-13
US60/698,466 2005-07-13

Publications (2)

Publication Number Publication Date
WO2006133140A2 WO2006133140A2 (en) 2006-12-14
WO2006133140A3 true WO2006133140A3 (en) 2007-03-29

Family

ID=37499030

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/021835 WO2006133140A2 (en) 2005-06-06 2006-06-06 Payment system and method for on-line commerce operations

Country Status (2)

Country Link
US (2) US20060277148A1 (en)
WO (1) WO2006133140A2 (en)

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US7958030B2 (en) 2004-09-01 2011-06-07 Visa U.S.A. Inc. System and method for issuer originated payments for on-line banking bill payments
US9003056B2 (en) 2006-07-11 2015-04-07 Napo Enterprises, Llc Maintaining a minimum level of real time media recommendations in the absence of online friends
US8327266B2 (en) 2006-07-11 2012-12-04 Napo Enterprises, Llc Graphical user interface system for allowing management of a media item playlist based on a preference scoring system
US8059646B2 (en) 2006-07-11 2011-11-15 Napo Enterprises, Llc System and method for identifying music content in a P2P real time recommendation network
US7970922B2 (en) 2006-07-11 2011-06-28 Napo Enterprises, Llc P2P real time media recommendations
US8090606B2 (en) 2006-08-08 2012-01-03 Napo Enterprises, Llc Embedded media recommendations
US8620699B2 (en) 2006-08-08 2013-12-31 Napo Enterprises, Llc Heavy influencer media recommendations
US9779556B1 (en) 2006-12-27 2017-10-03 Stamps.Com Inc. System and method for identifying and preventing on-line fraud
US9224427B2 (en) 2007-04-02 2015-12-29 Napo Enterprises LLC Rating media item recommendations using recommendation paths and/or media item usage
US8112720B2 (en) 2007-04-05 2012-02-07 Napo Enterprises, Llc System and method for automatically and graphically associating programmatically-generated media item recommendations related to a user's socially recommended media items
US8078515B2 (en) 2007-05-04 2011-12-13 Michael Sasha John Systems and methods for facilitating electronic transactions and deterring fraud
US20080288405A1 (en) * 2007-05-20 2008-11-20 Michael Sasha John Systems and Methods for Automatic and Transparent Client Authentication and Online Transaction Verification
US8285776B2 (en) 2007-06-01 2012-10-09 Napo Enterprises, Llc System and method for processing a received media item recommendation message comprising recommender presence information
US9037632B2 (en) 2007-06-01 2015-05-19 Napo Enterprises, Llc System and method of generating a media item recommendation message with recommender presence information
US9164993B2 (en) 2007-06-01 2015-10-20 Napo Enterprises, Llc System and method for propagating a media item recommendation message comprising recommender presence information
US20090049045A1 (en) 2007-06-01 2009-02-19 Concert Technology Corporation Method and system for sorting media items in a playlist on a media device
US20090089211A1 (en) * 2007-10-02 2009-04-02 Patricia Morse System and method for person to person fund transfer
US9060034B2 (en) 2007-11-09 2015-06-16 Napo Enterprises, Llc System and method of filtering recommenders in a media item recommendation system
US20090150254A1 (en) * 2007-11-30 2009-06-11 Mark Dickelman Systems, devices and methods for computer automated assistance for disparate networks and internet interfaces
US9734507B2 (en) 2007-12-20 2017-08-15 Napo Enterprise, Llc Method and system for simulating recommendations in a social network for an offline user
US8396951B2 (en) * 2007-12-20 2013-03-12 Napo Enterprises, Llc Method and system for populating a content repository for an internet radio service based on a recommendation network
US8060525B2 (en) 2007-12-21 2011-11-15 Napo Enterprises, Llc Method and system for generating media recommendations in a distributed environment based on tagging play history information with location information
US8117193B2 (en) 2007-12-21 2012-02-14 Lemi Technology, Llc Tunersphere
US8316015B2 (en) 2007-12-21 2012-11-20 Lemi Technology, Llc Tunersphere
WO2009091722A1 (en) 2008-01-15 2009-07-23 Visa U.S.A. Inc. System and method for data completion including push identifier
US8725740B2 (en) 2008-03-24 2014-05-13 Napo Enterprises, Llc Active playlist having dynamic media item groups
US8484311B2 (en) 2008-04-17 2013-07-09 Eloy Technology, Llc Pruning an aggregate media collection
US8355992B1 (en) 2008-05-16 2013-01-15 Michael Haugh System and method for verifying the age of a controlled substance purchaser
US8880599B2 (en) 2008-10-15 2014-11-04 Eloy Technology, Llc Collection digest for a media sharing system
US8484227B2 (en) 2008-10-15 2013-07-09 Eloy Technology, Llc Caching and synching process for a media sharing system
US8200602B2 (en) 2009-02-02 2012-06-12 Napo Enterprises, Llc System and method for creating thematic listening experiences in a networked peer media recommendation environment
US9342832B2 (en) * 2010-08-12 2016-05-17 Visa International Service Association Securing external systems with account token substitution
US8909667B2 (en) 2011-11-01 2014-12-09 Lemi Technology, Llc Systems, methods, and computer readable media for generating recommendations in a media recommendation system
US9196123B2 (en) 2012-09-28 2015-11-24 Sightline Interactive LLC Systems and methods for balance transfers associated with gaming environments
US20150019414A1 (en) * 2012-09-28 2015-01-15 Sightline Interactive, LLC Systems and methods for balance transfers associated with payment vehicles and gaming environments
US9245413B2 (en) 2012-09-28 2016-01-26 Sightline Interactive LLC Systems and methods for poker gameplay funding
US10304101B2 (en) * 2015-02-17 2019-05-28 Mastercard International Incorporated Age verification through mobile wallet method and apparatus
US10380662B2 (en) * 2016-08-30 2019-08-13 Ncr Corporation Pre-verification processing

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Also Published As

Publication number Publication date
US20060277148A1 (en) 2006-12-07
WO2006133140A2 (en) 2006-12-14
US20060273155A1 (en) 2006-12-07

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